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We offer a single online quote for horse
insurance,
which will quote for horses aged 30 days and older (no upper limit but cover
reduces for mature horses 16 years and older). There is a maximum value limit of
£7,500 per horse for online quotes, but we can quote for higher sums insured if requested.
Please call us.
The cheap quote that you receive for your horse
insurance will depend on the age and value of the horse, the use of the horse
and which options you need for veterinary fees and saddlery/ tack.
In addition to the horse you can extend the horse
insurance policy to cover trailers (not self propelled) or horsedrawn vehicles. A
Key facts document is available here
for your perusal.
We can obtain competitive quotes for self propelled horseboxes on referral.
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| Value of the horse |
£Must
not exceed £7,500 for online quotes |
| Age of the horse |
Reduced benefits apply if the horse is 16
years old or older. |
| Used by a riding
establishment? |
Personal accident benefits and public
liability are excluded whilst the horse is used by the establishment
(Riding schools are required by law to have their own liability
insurance) |
| What is your name? |
We
keep quotes so that we can tie them up with the proposal forms we
receive. We will not ask you for any more personal information until
you take out the policy, when we will store your information for
arranging and administering your policy and complying with any
regulatory requirements. |
Use (select those applicable)
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A |
Hacking, dressage, gymkhanas, pony club
(excluding racing), riding club, BHS Le Trec, Non-thoroughbred
broodmares, Stallions at stud, unaffiliated novice and intermediate
showjumping, novice hunter trials, driving (excluding cross country and
trials), showing n hand or under saddle, foals over 30 days and heavy
horses (not working) |
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B |
As A + Hunting, pony club racing, unaffiliated
open show jumping, show jumping under BSIA rules, open hunter trials, BE
affiliated Eventing (up to and including intermediate), combined
training, long distance riding, vaulting, driving (including cross
country/ trials) and heavy horses (working) |
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C |
REFERRAL ONLY. A & B + point to point,
team chasing, polo, polocrosse, horseball and BE afiliated advanced
eventing |
Personal Accident
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Death/ total disablement/ loss of limb(s)
or both eyes: £20,000 (£10,000 for 16 and under). Includes dental
treatment £1000. Not included if horse used by a riding establishment |
Veterinary Fees
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Includes up to £1000 in respect of
transportation and alternative treatment if recommend by a Vet. Cover
commences 14 days after acceptance of the proposal in respect of illness
and disease |
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Option 1 |
£3,000 per period of insurance. Excess:
£95.00 or 15%, whichever is the greater for each and every claim |
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Option 2 |
£5,000 per incident. (Maximum any one
period of insurance £10,000). Excess £125.00 or 15% whichever is the
greater for each and every claim. |
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Option 3 |
£5,000 per incident. (Maximum any one
period of insurance £10,000). Excess £500.00 for each and every claim |
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For the older horse: Option 4 |
By accidental external injury
only to the value of £1,500 per incident. Maximum per period of
insurance £3,000: £100.00 excess. Will be included automatically if
and only if your horse is 16 or over. |
Saddlery and Tack
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Covers loss by fire, accident and theft
following violent and forcible entry to or exit from a building which is
locked by a patent five-lever mortice deadlock. Unspecified single
article limit: £350.00. Excludes clothing and personal effects. Section
is subject to Average;
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Cover 1: |
£1,000 per period of insurance. Excess
£100 or 10% whichever is the greater each and every claim. |
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Cover 2: |
£2,000 per period of insurance. Excess
£120 or 10% whichever is the greater each and every claim. |
Permanent Loss of use - not available for older horses 16
years and upwards
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100% of sum insured or market
value if the horse is permanently totally incapacitated or 60% where the
horse can be used either for breeding or general hacking etc. Subject to
veterinary evidence. Cover commences 30 days after acceptance of
proposal form. |
Stable Loss - not available for older horses 16 years and
upwards
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Up to £500 for the cost of
alternative stabling following total destruction of the policyholder's
stables as a result of dire, flood, storm or malicious damage only |
Loss of entry fees - Only available for sum insured per
animal of £3000 or more requiring use 'B' as above. Not available for
horses 16 years or older)
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Up to £300 in respect of
irrrecoverable loss of entry fees if as a result of either:-
- Death of the horse by an insured cause
- Hospitalisation of the intended rider of the
insured horse at the time of the show or event
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Trailer and horse-drawn vehicles
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The company will pay the market
value or sum insured or cost of repairs whichever is the lesser in
respect of the accidental damage to or theft of the insured vehicle,
subject to warranties and average. Excess £100 or 10% whichever
is the greater. Cover for theft is excluded unless a wheel clamp or
other suitable immobilising device is fitted when not in use or
unattended. |
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The quotation system only offers the choice of one quote.
You may add more than one vehicle onto the policy. Minimum premium for
each trailer/ horsedrawn vehicle will be £26.25 including IPT. (Rates are
shown in the proposal form, which will be sent to you)
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Legal Expenses
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Legal expenses cover is compulsory and will cost £11.00 before tax.
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Administration fee
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The wholesale broker will make a £25.00 fee to
administer the policy. Our quotation will include this fee. |
Special Discount
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Because we are not providing advice, in many cases we
will offer a discount on the premium quoted. This discount is only
available if you send your remittance to us with the proposal form or
call us to pay by debit card. The proposal form must be satisfactorily
completed and and, after completion, there must be no further
information that you have to provide. If asked for we will also need a
veterinary certificate to be sent with the proposal.
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Additional Information
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The quotation assumes that none of the shaded answers on
the proposal
form declaration have been marked. Your attention is drawn to the
declaration stating that the horse are in good health, sound and free
from any illness, disease or injury nor have they been fired, blistered
or de-nerved and are regularly wormed and inoculated against tetanus.
You must be 18 or over and declare to the best of your knowledge and
belief that the information provided is true and that no material facts
have been withheld - a material fact is one that could affect the
acceptance or assessment of the application and failure to disclose a
material fact will entitle the insurer to void the policy i.e. not pay a
claim. If you are in doubt whether a fact is material you should contact
either us or the underwriter. |
Claim Forms
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Should you need to make a claim on your horse insurance,
you can contact us, the underwriters, or download
a claim form here.
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